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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,622 | $94,031-66.4% | $115,768-72.7% | $82,448-61.6% |
| Participation rate | 58.3% | 70.4%-12.1pp | 74.4%-16.1pp | 68.1%-9.7pp |
| Annual return | 11.94% | 20.61%-8.7pp | 100.46%-88.5pp | 41.64%-29.7pp |
| Employer contribution / active EE | $785 | $2,323-66.2% | $2,940-73.3% | $2,551-69.2% |
| Participant deferral / active EE | $2,420 | $3,972-39.1% | $4,917-50.8% | $4,139-41.5% |
| Admin fee / account holder | $5,648 | $10,249-44.9% | $12,439-54.6% | $7,234-21.9% |